Understanding Medicare Special Needs Plans in Saratoga County, New York
In Saratoga County, NY, Medicare beneficiaries have access to 20 Special Needs Plans (SNPs) in 2026. Among them, 2 are available at a $0 premium. About 4,251 people in the County are enrolled, with 41% of SNPs rated 4 stars or higher. These plans are designed for individuals with specific healthcare needs, including dual eligibility for Medicare and Medicaid, chronic conditions, or long-term care requirements.
To see how SNPs fit with your other Medicare choices, explore all Medicare coverage options in Saratoga County, NY.
Page last revised:
Enrollment data refreshed: September 9, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Dual Eligible Special Needs Plans (D-SNPs)
Dual Eligible Special Needs Plans (D-SNPs) are designed for people who qualify for both Medicare and Medicaid. These plans coordinate benefits to reduce costs and provide access to additional support services.
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| UHC Dual Complete NY-S001 | $53 | PPO D-SNP | H2001 063 1 | |
| MVP DualAccess | $55 | HMO D-SNP | H3305 033 0 | |
| MVP DualAccess Complete | $59 | HMO D-SNP | H3305 034 0 | |
| UHC Dual Complete NY-Q001 | $31 | HMO-POS D-SNP | H3387 015 1 | |
| UHC Dual Complete NY-S4 | $6 | HMO-POS D-SNP | H3387 017 0 | |
| Aetna Medicare Full Dual | $23 | HMO D-SNP | H3312 070 0 | |
| Aetna Medicare Partial Dual | $6 | HMO D-SNP | H3312 089 0 | |
| EmblemHealth VIP Dual | $59 | HMO D-SNP | H5991 012 2 | |
| Humana Gold Plus SNP-DE H3533-002 | $0 | HMO D-SNP | H3533 002 0 | |
| HumanaChoice SNP-DE H5970-020 | $1 | PPO D-SNP | H5970 020 0 | |
| Wellcare Dual Access | $59 | HMO D-SNP | H4868 004 0 | |
| Wellcare Dual Access Open | $59 | PPO D-SNP | H2775 112 0 | |
| Wellcare Fidelis Dual Align | $59 | HMO D-SNP | H5599 003 0 | |
| Wellcare Fidelis Dual Liberty Sync | $59 | HMO D-SNP | H5599 013 1 | |
| Nascentia Dual Advantage | $59 | HMO D-SNP | H9066 003 0 | |
| Nascentia Medicaid Advantage Plus | $59 | HMO D-SNP | H9066 001 0 |
What is the total number of D-SNP options in Saratoga County?
Saratoga County has 16 D-SNP options for 2026, serving 3,414 members.
How much do D-SNP plans cost on average in Saratoga County?
The mean monthly D-SNP premium in Saratoga County is $40.29, with 1 at no cost.
Institutional Special Needs Plans (I-SNPs)
These plans cater to individuals residing in long-term care facilities, such as nursing homes, or those requiring extended skilled nursing facility care at home. The CMS website provides more information about I-SNPs and their coverage details.
- Total I-SNP Plans
- 3
- Average Premium
- $58.80/mo
- Beneficiaries Enrolled
- 133
- $0 Premium I-SNPs
- 0
- Average MOOP
- $16,333
- Most Popular I-SNP
- UHC Nursing Home Plan NY-F001 (I-SNP) with 117 enrollees
- I-SNPs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| Aetna Medicare Longevity | $59 | PPO I-SNP | H5521 461 0 | |
| UHC Nursing Home Plan NY-F001 | $59 | PPO I-SNP | H2292 001 0 | |
| Nascentia Skilled Nursing Facility | $59 | HMO I-SNP | H9066 002 0 |
What is the total number of I-SNP options in Saratoga County?
There are 3 I-SNP plans in 2026, covering 133 beneficiaries.
How much do I-SNP plans cost on average in Saratoga County?
The average I-SNP premium is $58.80, with 0 costing $0.
What I-SNP plan has the highest enrollment in Saratoga County?
UHC Nursing Home Plan NY-F001 (I-SNP) is the most popular I-SNP in Saratoga County, with 117 enrollees.
What is the total number of I-SNP options in Saratoga County?
There are 3 I-SNP plans in 2026, covering 133 beneficiaries.
Chronic Condition Special Needs Plans (C-SNPs)
These plans are designed for individuals with severe or disabling chronic conditions. C-SNPs excel at coordinating your care among different medical specialists and often include extra benefits like prescription drug plans.
- Total C-SNP Plans 1
- Average Premium $0.00/mo
- Beneficiaries Enrolled 704
- $0 Premium C-SNPs 1
- Average MOOP $13,400
- Most Popular C-SNP UHC Complete Care NY-33 (C-SNP) with 704 enrollees
- C-SNPs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| UHC Complete Care NY-33 | $0 | HMO-POS C-SNP | H3379 056 0 |
- What is the average premium for C-SNP plans in Saratoga County?
- On average, C-SNP plans in Saratoga County cost $0.00 per month.
- Which C-SNP is the most popular in Saratoga County?
- The leading C-SNP in Saratoga County is UHC Complete Care NY-33 (C-SNP), with 704 members.
- How many C-SNP plans are available in Saratoga County?
- In 2026, Saratoga County offers 1 C-SNPs with 704 enrollees.
Medicare Special Needs Plans have with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage Special Needs Plans
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The D-SNP, C-SNP, and I-SNP plans listed on this page are available to qualifying individuals enrolled in Medicare Part A and Part B living in Ballston Lake, Ballston Spa, Burnt Hills, Clifton Park, Galway, Mechanicville, Rexford, Stillwater, Waterford, South Glens Falls, Corinth, Gansevoort, Greenfield Center, Hadley, Middle Grove, Porter Corners, Saratoga Springs, Schuylerville, and all other areas of Saratoga County, New York. For a broader statewide overview, see Medicare plan options in New York.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: 202608
- CMS.gov, Medicare Part C & D Performance — Version: 2026
- CMS.gov, Plan Benefits Package — Version: 2026
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-08
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare SNP plans available in Saratoga County compare with plans offered elsewhere, you can search the Special Needs Plan directory to review options nationwide using the same authoritative data sources.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 23 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 20 May, 2025
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.